EFFICIENCY ANALYSIS OF REGIONAL DEVELOPMENT BANKS IN INDONESIA
The Regional Development Bank is one of the sectors that contributes to the economic progress of the region in Indonesia. As an into contributed is bridging between those who have surplus funds as a store with those who need the funds as borrower, the role of banks is needed in contributed to the economic growth of a country. The Bank efficiency can be measured using the ratio Biaya Operasional Pendapatan Operasional (BOPO) or Cost to Income Ratio (CIR). The use of CIR felt more accurately measure the performance of internally because without the inclusion of external influences such as inflation, Bank Indonesia (BI) rate, Lembaga Penjamin Simpanan (LPS) rate and so on. Efficient Bank will be able to face competition in the banking industry more healthy and quality. Measurement of efficiency in this study using the CIR, and competition used to concentration ratio (CR-4) and Panzar-Rosse index is calculated by Bikker Model. Nationally banks of efficiency still need to be improved. While in group and individual banks there are some banks that are efficient, particularly some of the foreign banks. Meanwhile to the level of competition in the group is still in a monopolistic market position and national banking competition in this study is still in a monopolistic market.
Efficiency, Cost to Income Ratio (CIR), Regional Development Bank, Panzar-Rosse Index.